First quarter net 583 million yuan, grow 228% compared to the same period; Battalion receives 2 billion yuan, successive 6 quarters maintain double digit amplitude -- this is the happy letter that just gives heat one quarterly reports (without audit) expression of main outstanding achievement.
The commercial pattern of happy letter is clear the young consumption group that profit from quickness expands, but its understand financial science and technology throws ability to raise its technology barrier likewise.
Then, happy letter increased investment of financial science and technology, in 1 quarter research and development investment is as high as 93.8 million, than last year of the corresponding period 68.1 million grow 37.8% , expenses of Zhan Lexin operation exceeds 25% . And such investment is in ecbolic the phenomenon of sex of an inflection point -- income of its finance science and technology makes happy letter source of the biggest income.
Income structure is benign unripe change
Income of financial science and technology is successive much quarter is the part with happy letter the rapiddest growth. 2019 1 quarter, the income of financial science and technology that Lexin serves through be orgnaization of of all kinds finance and gains is achieved 911 million, a quarter is adjacent last year the half of annual, grow compared to the same period be as high as 342% .
Income of financial science and technology makes happy letter source of the biggest income, occupy than close half of country. Xiao Wenjie of happy letter CEO expresses: Happy letter realized this profit from the earliest AI is used in the overall business on each business chain. Capital of the system of intelligent risk management that relies on happy letter, intelligence is matched match capacity, happy letter will join more golden confluence make associate continuously, serve the new spending of new crowd jointly.
And this backside is happy letter the ceaseless investment to financial science and technology: 2019 1 quarter, investment of happy letter research and development is amounted to 93.8 million, than last year 68.1 million increase the corresponding period 37.8% , expenses of Zhan Lexin operation exceeds 25% . In appear on the market in enterprise of financial science and technology, personnel of devoted strength, research and development takes science and technology of happy letter finance than, all be in lead position.
Science and technology uses setting field: Happy letter changes wisdom to finance in the round in recent years, already accused in wind, asset is matched and the respect such as customer service operation uses artificial intelligence technology in the round, its express to adopt big data and AI technique, happy letter is recommended in commodity, wind accuses and operation respect promoted efficiency in the round, reduced risk cost. Current, happy letter is in intricate network, receive goods address clustering, LBS information clustering, the multinomial machine such as check of acoustic quality of analysis of user action series, public feelings analysis, language learns application, certain room industry is banner level.
A case that can support its view effectively is: Current, wind of happy letter intelligence accuses engine " accipitral eye " rate of order automation examine and verify is achieved 98% , platform of technology of processing of capital of huge small small finance " bug hole " financing matchs successful rate to achieve 93% , at the same time long-term control is in the risk the industry is best level. 1 quarter, happy letter the fraction defective of 90 days of above is 1.42% .
In the meantime, happy letter also is in export technology of its finance science and technology outwards -- on April 18, firm of banking of state-owned and large bank, insurance company, consumption signed tens of homes such as bank of happy letter and industrial and commercial bank, the people's livelihood strategic cooperation agreement, cooperative content covered the many fields such as sale of financial science and technology, intelligence. Current, the golden confluence of happy letter makes companionate amount already exceeded 100, 1 quarter, what 70% exceed on happy letter platform is new add loan to come from financial orgnaization.
Stare at closely 90, 95 hind make tripartite face new implied meaning
China of natural profit from consumes the commercial pattern that happy letter represents strong motivation -- especially youth.
Money newspaper shows, below Le Xinqi in installment happy store gets of more and young tall growing user love. 1 quarter, in installment happy store user is broken through first 40 million; Store business growth is driving, GMV grows more than 40% compared to the same period. As the country underlying thread shops in installment the forerunner of the store, in installment happy had had at present go to dress beauty from 3C number makeup wait for category of more than 10 merchandise, enclothed China in the round of high grade fast growing crowd consume need in installment. tripartite counts the investigation report that according to the research organization moxa intermediary seeks advice from to was released 2018 to show, in installment happy already became 90 hind the first selection platform that consumes in installment.
This facilitated number of happy letter user, in borrow the index such as remaining sum to erupt in the round -- up to 2019 1 quarter, happy letter user is achieved 42.2 million, grow 59.6% compared to the same period; 1 quarter, amount of happy letter facilitating loan 20.1 billion, grow 35.6% compared to the same period; In lend remaining sum 35 billion, grow 64.7% compared to the same period; Property performance keeps stable, rate of exceed the time limit is 1.42% .
Additional, 1 quarter, in installment happy store GMV is amounted to 1.7 billion, grow 41.8% compared to the same period, it is 5 times of amplitude of total volume of retail sales of society of the corresponding period, it is 2 times of amplitude of turnover of the commodity on countrywide objective net.
Xiao Wenjie expresses, "As 90, 95 epigenesis consume a crowd for Chinese mainstream, consumptive structure of China will upgrade quickly, greet period of a new spending. To serve the consumptive demand that the youth changes ceaselessly better, happy this year letter formulates new strategy, on line ' Le Ka ' wait for rights and interests kind product " .
Of happy letter newest making a way is: In consumption layout of development of rights and interests of setting, consumption and face of consumptive finance tripartite. 1 quarter, happy letter rolled out brand-new consumable card " Le Ka " . Le Ka is the rights and interests that a service lives at youth character kind consume platform, the line on the line that centered youth place to be fond of issues rights and interests of of all kinds and high grade consumption, the user is OK at any time and place free enjoys the privilege such as member discount. Business of member paying fee " happy black card " also gain revolutionary headway, at present this permeability in serving active in happy letter user already exceeded 20% .
1 million users are looking
Recombine and buy mine field frequency to show, business of at least 24 certificate makes public excuse! Outstanding achievement acceptance becomes be an armchair strategist, unexpectedly certificate business stepped on " thunder " 7 times,
New act! Sound of volley of Ministry of Foreign Affairs of Department of Commerce! The United States just does not master to come in China negotiation plan, emphasize negotiation must keeping good faith, strong response China to be prohibited by the United States
Astonish! On the line group exchange sensitive information a little, collude with operate exchange rate of 11 kinds of moneys, the European Union opens a 1.07 billion euro to punish sheet to 5 big banks, lucky silver informs against have rendered great service is avoided at be being punished
The Ministry of Foreign Affairs is newest make known one's position! Telangpu says in square economy is not quite good, the Ministry of Foreign Affairs answers rancor: Be without a basis! 3 days make known his position 3 times! In Founder is confident
The talent of others home is incentive! Chinese restful " serves plan " for a long time to catch eyeball! Already cost 4.3 billion purchase oneself share, talent of 30 thousand much core is benefited
12.2 billion deposit clears to ferment again! Kang Dexin case of a business affairs rancors continuously Beijing bank, say " complains a bank to violate compasses " , after all who ate be unable to speak out about one's grievances
Crisis of cash of collect of this famous illicit ferments! Be suspected of break a contact 6.6 billion, illicit collect product is being torn open sell, more investor reports a case to the security authorities via detect, cash plan doubt is like stalling tactics
Tips: In certificate business China small signal page inputs negotiable securities code, abbreviation to be able to examine a prices and a newest announcement; Input fund code, abbreviation can examine fund net value.
